Pass on the leather interior and get the neoprene seat covers since you surf. Spend the money that you save on the leather and get the 4x4. SCCX prides itself on being the only Xterra club that is friendly to 4x2s. alot of the trails that we do are capable of being done with 4x2 but you will have more fun with a 4x4. Check us out at www.sccxterra.com or join us on one of our excursions. You will get a feel of what an xterra can really do and meet a great group of people than can educate you on all things xterra.